Exhibit 1

                                                                       Exhibit 1

                                    AGREEMENT


         The  undersigned  each  agree  that the  Schedule  13D  being  filed in
connection  with their  respective  ownership of common  stock in AMB  Financial
Corporation  on or about August 8, 2000, is being filed by the  undersigned as a
group.

         CONFIRMED AND AGREED TO:


         /s/ XXXXXXX X. XXXXX, XX.       /s/ XXXXXX X. XXXXX
         --------------------------      -------------------------
         Xxxxxxx X. Xxxxx, Xx.           Xxxxxx X. Xxxxx


         Date:    August 8, 2000         Date:    August 8, 2000